Community Bank of Smith County in city_name, state_name - Detailed Financial Reports, Location

Community Bank of Smith County in Carthage, Tennessee (TN)
Show street view No street view available for this location

Community Bank of Smith County - Overview

General
FDIC Certificate #: 34368
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Wilson Bank and Trust (#26962)
Federal Reserve ID: 2497190
Date Established: December 16, 1996
WWW: http://www.communitybankofsmithcounty.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 57127
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: December 16, 1996
Last Structure Change Effective Date: April 01, 2005
Last Structure Change Process Date: April 13, 2005
Last Data Update: April 13, 2005
Data Source Date: April 05, 2012
Location
Address: 1300 Main Street North, Carthage, TN 37030
County: Smith
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Nashville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
Financial Summary
Total assets: $90.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2004)

Dollar figures in thousands
25Total employees (full-time equivalent)
$81,610Total assets
$1,360Cash and due from depository institutions
$0Interest-bearing balances
$10,307Securities
$1,957Federal funds sold & reverse repurchase agreements
$64,242Net loans & leases
$1,045Loan loss allowance
$0Trading account assets
$2,428Bank premises and fixed assets
$33Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,283All other assets
$81,610Total liabilities and capital
$75,400Total liabilities
$74,419Total deposits
$68,958Interest-bearing deposits
$74,419Deposits held in domestic offices
0.00%% insured (estimated)
$685Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$296All other liabilities
$6,210Total equity capital
$6,210Total bank equity capital
$6,210Perpetual preferred stock
$0Common stock
$1,917Surplus
$2,378Undivided profits
Memoranda
$1,915Noncurrent loans and leases
$5,087Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$787Earning assets
$0Long-term assets (5+ years)
$727Average Assets, year-to-date
$76,506Average Assets, quarterly
$19,062Volatile liabilities
$74,902Insider loans
$80,405FHLB advances
$27,265Loans and leases held for sale
$1,201Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,087Total unused commitments
$0Restructured Loans and leases
$731Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$4,871Total interest income
$1,648Total interest expense
$3,223Net interest income
$650Provision for loan and lease losses
$781Total noninterest income
$0Fiduciary activities
$559Service charges on deposit accounts
$0Trading account gains & fees
$222Additional noninterest income
$2,482Total noninterest expense
$981Salaries and employee benefits
$370Premises and equipment expense
$1,131Additional noninterest expense
$872Pre-tax net operating income
$0Securities gains (losses)
$323Applicable income taxes
$549Income before extraordinary items
$0Extraordinary gains - net
$549Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$290Sale, conversion, retirement of capital stock, net
$283Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.97%Yield on earning assets
2.36%Cost of funding earning assets
4.61%Net interest margin
1.12%Noninterest income to earning assets
3.55%Noninterest expense to earning assets
0.73%Net operating income to assets
0.73%Return on assets (ROA)
1.16%Pretax return on assets
9.15%Return on equity (ROE)
4.43%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
224.14%Credit loss provision to net charge-offs
5.25%Efficiency ratio
61,988Assets per employee
3.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.55%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
132.78%Noncurrent assets plus other real estate owned to assets
1.00%Noncurrent loans to loans
1.21%Net loans and leases to deposits
86.32%Net loans and leases to core deposits
134.29%Equity capital to assets
7.61%Core capital (leverage) ratio
7.52%Tier 1 risk-based capital ratio
10.87%Total risk-based capital ratio
Memoranda
$12Average assets
$74,902Average earning assets
$6,002Average equity
$69,927Average loans

Community Bank of Smith County in Carthage, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of Smith County - Overview

Assets and Liabilities (December 31, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

Comment about this bank, ask questions, or add new information about it:

Community Bank of Smith County in Carthage, Tennessee (TN)Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of Smith County - Overview

Assets and Liabilities (December 31, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

Comment about this bank, ask questions, or add new information about it:

Community Bank of Smith County in Carthage, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches